Landlord Insurance
Protecting your property and investment
Admiral Platinum Combined Cover
What's landlord insurance?
Landlord insurance protects landlords against the risks of renting out a property.
Depending on your property type and situation, you can insure the building and contents together or separately. It's peace of mind for busy people like you, safeguarding against things like loss of rent and unoccupancy.
You can get optional add-ons like Landlord Legal Protection, which can help with legal costs, and Landlord Emergency cover, which temporarily fixes things like plumbing issues and boiler total breakdown.
You can protect up to five properties on your policy.
Do I need landlord insurance?
Landlord insurance isn't a legal requirement, but buy-to-let mortgages usually need you to have specialist cover in place.
Standard home insurance won't cover you for everything a buy-to-let property needs - for example, your claim could be invalid if you've rented your home out.
Which type of landlord insurance is right for me?
Combined landlord insurance
Combined insurance is your general landlord insurance, which combines buildings and contents.
It's usually cheaper than buying both separately, and might be the right fit if you rent out a furnished property.
Buildings insurance
Buildings insurance helps pay for damage to your rented home's structure and fittings. It also protects your garages, outbuildings and any other permanently fixed structures.
It might be useful if you rent out an unfurnished home.
Contents insurance
Contents insurance protects the furniture and fittings inside your property from theft, vandalism, fire and water damage. It's usually the right option if you're a leaseholder and the freeholder of the building already has buildings insurance in place.
What does landlord insurance cover?
Landlord insurance typically covers things like:
Storms
We'll protect you against damage caused by severe weather, as long as you've kept your property well-maintained.
Find out more about what to do during a storm and what to check afterwards on our storm weather hub.
Escape of water
We'll help you out with burst pipes and other plumbing damage in your property.
Fire and smoke
If your property is damaged by fire or smoke, we'll be there to lend a helping hand.
Costs if legal action is brought against you (property owner's liability)
Property owner's liability is a part of your policy which helps cover costs if legal action is brought against you.
This could be because one of your tenants was injured or even accidentally died due to of an issue on your property.
The cost of rebuilding your home (buildings sum insured)
'Buildings sum insured' is how much it would cost to rebuild your property. It's not the same as the value of your house if you wanted to sell it, or how much you bought your house for.
If your property is damaged beyond repair in an accident, this part of your policy will cover you for the demolition and rebuild of your house.
Alternative accommodation and loss of rent
If your property isn't fit to live in due to loss or damage that's come from an insured incident, we'll either pay:
- the amount of rent you won't be able to get while your tenants are staying elsewhere, or
- the reasonable cost of temporary accommodation for your tenants and their pets while your property is being repaired
Employer's liability
You might be paying people to maintain your property, like cleaners or gardeners.
The 'employer's liability' part of your policy protects you if one of these people is accidentally injured or falls ill while doing the work you employ them to do.
What isn't covered?
What's not covered by your policy might be different depending on which level of cover you have.
Typically, our landlord insurance won't cover:
- Full accidental and malicious damage by tenant - sudden, unexpected, deliberate and visible loss or damage. You can buy this as an add-on or it's included on Platinum policies.
- Storm damage to your fences, gates and hedges - learn more about how we define storm damage on our storm hub.
- Tenant belongings - we can't cover damage to or theft of tenant belongings.
- Pet damage - like scratching and chewing.
- Claims less than your excess - this is where the excess is more than the claim's value (for example, if the damage cost is £100 but you have a £200 excess, you can't make a claim).
- Wear and tear - this refers to damage over time, like wet or dry rot, sunlight exposure, subsidence and worn carpets.
- Over five properties - we only insure up to five properties on each policy
Always check your policy document to find what is and isn't covered.
Compare our cover levels
This is your general landlord insurance which combines buildings and contents. It's usually cheaper than buying both separately, and might be the right fit if you rent out a furnished house.
We offer three levels of cover for Combined Insurance.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Buildings sun insured | Unlimited | Unlimited | Unlimited |
| Property owner's liability | £1M | £2M | £2M |
| Alternative accommodation and loss of rent | £30,000 | £75,000 | £100,000 |
| Contents sum insured | £25,000 | £50,000 | £75,000 |
| Replacement locks & keys | £500 | £750 | £1,000 |
| Emergency access | £500 | £1,000 | £2,500 |
| Loss of metered water/oil | £500 | £1,000 | £2,500 |
| Sale of property | |||
| Contents removal & temporary storage | |||
| Trace and access | £5,000 | £10,000 | |
| Theft from garages and outbuildings | £1,500 | £5,000 | |
| Unauthorised use of gas/electric/water | £1,000 | £2,500 | |
| Garden contents | £1,000 | £2,500 | |
| Garden plants | £1,000 | £2,500 | |
| Unoccupancy | 30 days | 60 days | 90 days |
| Employers liability | £5M |
For more information on what's covered read our policy book.
Optional add-ons
- Tenant damage to buildings
- Tenant theft
- Landlord Legal Expenses
- Landlord Emergency cover
Find more information about the optional extras and any waiting times in our policy books.